Kredit® provides a single digital dashboard for consumers to ask questions, make payments, and negotiate flexible repayment options for their accounts in collections. The free platform is simple and secure, so that anyone can feel comfortable making payments, and businesses don’t need to develop custom digital communication, payment processing, and account management technology internally. By empowering consumers to initiate conversations, evaluate repayment alternatives, and connect with resources that accelerate decision-making, Kredit® enables individuals to take the first steps in regaining financial control of their lives. Businesses that actively participate in the Kredit® network benefit from consumer-driven engagement, high-integrity data custody & compliance, a delightful consumer experience, and tools that enable programmatic management of their recovery and settlement strategies. The platform can be used in place of a traditional payment portal, or as a parallel way to engage consumers where they are and easily adapt to their omni-channel communication preferences. Kredit® also helps consumers discover powerful tools and tailored financial resources that can help them with other areas of their financial lives through our FinTech affiliate network. Members include other FinTech and financial services organizations developing innovative tools and financial products that support consumers' long-term financial well-being.